Allows you to receive a lump-sum payment to manage the financial consequences of being diagnosed with and living through an illness that may alter your life.

Protects your income, should you become completely or partially disabled through an event beyond your control. The income you receive will allow you to manage your disability and continue to meet your financial responsibilities

Offers a way for you to pay for many health expenses that are not covered through your provincial health plan, or your group plan coverage at work.

Segregated funds allow you to reach your savings and retirement income goals, while simultaneously offering a variety of maturity and death benefit guarantees, as well as possible protection from creditors.

Ensures that you are protected against any devastating financial costs for medical care and services when you are travelling outside of your home province, and you experience a medical emergency due to an accident or illness. Also available for Visitors to Canada, and Students (inbound and outbound).

Gives you a competitive edge when it comes to retaining employees and key people in your business, by providing them with extended health and dental benefits, as well as life insurance and disability insurance protection.